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Closing Costs, Cash to close, and more!

What are the “closing costs” when obtaining a mortgage?  There are a number of categories that fall under the closing cost umbrella.  The most common are loan fees, prepaid items, initial escrow, and down payment which will be discussed below.…

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Interest rate vs APR

I occasionally get the following question when borrowers are reviewing their disclosures..."I thought my rate was 2.5%, why does it say 2.55%?" The reason is, the second rate is actually the Annual Percentage Rate (APR). The APR, in this case…

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Mortgage Market Update

Fed is going to start buying MBS again as part of this round of QE. Check in tomorrow around 11am to see where rates are. May take some time, but definitely should help with the oversupply that raised rates last…

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Things are crazy, but I’m here to help

If you are interested in refinancing or getting pre-approved please send me an email with your contact info at I'll send you an application and the required docs. I'll need a full application and pulled credit in order to…

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